Saturday, November 13, 2010

budgeting personal finances




Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.





Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.



eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger



Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.





Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.



eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger

eric seiger

Pantsuit conversion 1 -- Pragmata by Harper Ganesvoort


eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger



Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.





Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.



eric seiger

Pantsuit conversion 1 -- Pragmata by Harper Ganesvoort


eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger

Pantsuit conversion 1 -- Pragmata by Harper Ganesvoort


eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger eric seiger
eric seiger

Pantsuit conversion 1 -- Pragmata by Harper Ganesvoort


eric seiger
eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.



Clearcheckbook.com is a relatively new web site, started in 2006 by Brandon O'Brien. The web site's budgeting features are useful for anyone looking for ways to control finances, but it is especially geared towards people who prefer a simple, intuitive program for budgeting and money management. Unlike some personal finance software programs, Clearcheckbook is straight forward, easy to learn and easy to use. And it's free!

Account Features

You can create as many accounts as you want on Clearcheckbook.com. Accounts are created and edited easily. Clearcheckbook.com does not link to your bank account; instead, you enter transactions yourself. This is an advantage to many people, because it places the budgeting process in your own hands: you can keep better track of your personal finances by taking a more active role in tracking your budget.

Budgeting Features

Clearcheckbook.com has many useful budgeting features. It allows for the creation of categories. You can define and edit as many categories as you need, from groceries to entertainment. After you create your categories, you can impose spending limits on each category. This feature allows you to carefully monitor your expenditures so that you do not spend over your budget.

Clearcheckbook.com also allows you to place a spending limit for each account. If you want to be sure you do not overspend on one account, you can quickly type in your limit. Colorful indicators let you know when you are reaching your limit; they turn orange as you near your limit and red when you reach it.

You can also set up reminders for bills or upcoming transactions, as well as set up recurring transactions.

Adding Entries

After you log into your Clearcheckbook.com account, you will be brought to your Account Summary page. Here you can see the balances of each of your accounts, as well as your most recent transactions. On this page you'll find the Quick Add Entry tool. Here you can add transactions, citing the date, place, amount, category, type (deposit/withdrawal), and account. The budgeting website also allows for split entries, easing the process of entering correct categories for individual transactions.

Importing/Exporting Records

If you have used other personal finance software and wish to import you records into clearcheckbook.com, you can easily do so by using the import tool. QIF, OFX, and QFX files are suported.

Reports

Good budgeting practice requires that you review and analyze your spending. Clearcheckbook.com has a section for Reports, where you can view your expenditures in terms of graphs and and charts. The charts are easy to read and printable.

Mobility

For some people, using budgeting software can be difficult in managing their personal finances because it is a process that is somewhat detached; in other words, you do not review your finances at the time you're shopping, instead, you sit down once a week or so and enter your transactions, only to find you overspent sometime during the week. One of the great features about Clearcheckbook.com is its mobility. Using their integrated CheckBot program, you can check your account balances, spending limits, and even add deposits and withdrawals, all from the convenience of your cell phone. Clearcheckbook.com has a list of codes that you can text message in order to view your account. With CheckBot, you can immediately see where your personal finances stand.

Conclusion

Because Clearcheckbook.com is so new a website, there are sometimes some small bugs that need to be worked out. But the features keep getting better and better. And even if you do run into a technical problem, send an email to the administrator. In my personal experience, I have had every email answered politely and quickly. The developer is also excellent at integrating user suggestions into new versions of the personal finance software. If you're looking for a way to easily keep on top of your budget, try Clearcheckbook.com. It's free, so you have nothing to lose!



eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger

CBS <b>News</b>: Obama&#39;s G-20 Performance an &#39;Embarrassing Disappointment <b>...</b>

The Blaze is a news, information and opinion site brought to you by Glenn Beck and a dedicated team of writers, journalists & video producers. Our goal is to post, report and analyze stories of interest on a wide range of topics from ...

Taiwanese <b>News</b> Channel Animates Mel Gibson! | PerezHilton.com

It certainly took them long enough, but wow, was it worth the wait! This is their best yet!!!! Check out Taiwan´s animated take on the mess that is Mel Gibson´s life (above)! Your eyes...

Peggle bounces onto PSP next week PSP <b>News</b> - Page 1 | Eurogamer.net

Read our PSP news of Peggle bounces onto PSP next week.


eric seiger

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